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Comparison of Deposit Account from ROBINS FINANCIAL with 2.35% - June 2025

Long-Term Analysis of First Harrison Bank with 0.20% APY and ROBINS FINANCIAL with 2.35% APY and The First State Bank of Shelby with 0.65% APY and OUR COMMUNITY with 0.69% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

First Harrison Bank

0.20%

$50,000

18 Month

Bank

0.34x (National Avg. - 0.58%)

$2,500

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

ROBINS FINANCIAL

2.35%

$50,000

24 Month

Credit Union

3.56x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 2.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,175	823
2	51,175	1,203	842
3	52,378	1,231	862
4	53,608	1,260	882
5	54,868	1,289	903
6	56,158	1,320	924
7	57,477	1,351	946
8	58,828	1,382	968
9	60,211	1,415	990
10	61,626	1,448	1,014
11	63,074	1,482	1,038
12	64,556	1,517	1,062
13	66,073	1,553	1,087
14	67,626	1,589	1,112
15	69,215	1,627	1,139
16	70,841	1,665	1,165
17	72,506	1,704	1,193
18	74,210	1,744	1,221
19	75,954	1,785	1,249
20	77,739	1,827	1,279
	TOTAL	$29,566	$20,696

LOCAL CD

The First State Bank of Shelby

0.65%

$50,000

6 Month

Bank

1.59x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	326	228
2	50,326	328	229
3	50,653	330	231
4	50,983	332	232
5	51,315	334	234
6	51,649	336	235
7	51,985	338	237
8	52,323	341	238
9	52,664	343	240
10	53,007	345	242
11	53,352	347	243
12	53,699	350	245
13	54,049	352	246
14	54,401	354	248
15	54,755	356	250
16	55,111	359	251
17	55,470	361	253
18	55,831	363	254
19	56,195	366	256
20	56,561	368	258
	TOTAL	$6,929	$4,850

LOCAL CD

OUR COMMUNITY

0.69%

$50,000

24 Month

Credit Union

1.04x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.69%	Annual Interest	Annual Interest (After Tax)
1	50,000	345	242
2	50,345	347	243
3	50,692	350	245
4	51,042	352	247
5	51,394	355	248
6	51,749	357	250
7	52,106	360	252
8	52,466	362	253
9	52,828	365	255
10	53,192	367	257
11	53,559	370	259
12	53,929	372	260
13	54,301	375	262
14	54,675	377	264
15	55,053	380	266
16	55,433	382	268
17	55,815	385	270
18	56,200	388	271
19	56,588	390	273
20	56,978	393	275
	TOTAL	$7,372	$5,160

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from ROBINS FINANCIAL with 2.35% - June 2025

Long-Term Analysis of First Harrison Bank with 0.20% APY and ROBINS FINANCIAL with 2.35% APY and The First State Bank of Shelby with 0.65% APY and OUR COMMUNITY with 0.69% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from ROBINS FINANCIAL with 2.35% - June 2025